Federal employees over 50 overpay $400-800/yr on FEGLI · Book your free review
A lot of federal benefits advocates want your signature. Heather wants you to understand what you are signing, and why. Free, no-obligation education sessions for federal employees across 18 states.
“I don’t sell products. I teach federal employees how their benefits actually work so they can make decisions with confidence, not pressure.” — Heather Hudec
“Is your cheddar growing better?” — Heather Hudec
Without clear guidance, most federal employees leave money on the table or lock into decisions they can’t reverse. Here’s what Heather helps you avoid.
Most federal employees over 50 are paying $400-800 more per year than necessary for life insurance coverage they may not need. Heather shows you exactly what your options cost.
Choices like survivor benefits and pension elections are irrevocable. Once you elect, you cannot undo it. Heather ensures you understand every implication before you sign.
Improper TSP withdrawals can trigger massive tax bills or penalties. Heather walks through rollover options, RMDs, and tax-efficient distribution strategies.
Most federal benefits advocates only focus on one product. Heather looks at FEGLI, FERS, TSP, FEHB, and survivor benefits together so nothing slips through the cracks.
A lot of federal benefits advocates want your signature. Heather wants you to understand what you are signing, and why.
Heather walks you through exactly what your FEGLI options cost now and at retirement, and explains every alternative so you make an informed choice.
02FERS Retirement Planning — including pension calculation, the FERS Supplement, retirement income gap analysis, and Minimum Retirement Age (MRA) guidance.
03Every TSP option at retirement, explained clearly. Rollover, withdrawal, annuity, lifecycle funds and the tax implications of each decision.
04The survivor benefit election is permanent. Heather walks you through every option so your family is protected the right way.
05Should you take the full pension with survivor benefit, or maximize your monthly check? Heather runs the numbers with you and explains every scenario.
06A complete, personalized education session covering your entire federal benefits picture with a clear plan going forward.
07Know exactly when you can retire with zero reduction to your pension. Retiring before hitting your MRA results in a 5% reduction for every year you are short. Understanding your MRA is one of the most important retirement decisions you will make.
08Understand your survivor benefit options before retirement day. This election is permanent and most federal benefits advocates never show federal employees every option available to protect their spouse.
No products pushed. No hidden agenda. Just clear, honest education about your federal benefits so you can make decisions with total confidence.
Pick a time that works for you. Phone or video—your choice. No commitment, no credit card.
We review your paystub together, connect with it line by line, and educate you on exactly how to read it — so you leave more knowledgeable about your paycheck and your financial health. Every federal employee should understand what their benefits look like from day one. Most never get that clarity until it is too late.
Heather walks through your specific situation and explains every option in plain language.
Heather follows up with you personally after every session. She stays in your corner until you are confident and clear on every decision.
In your free session, Heather will:
No cost. No obligation.
Just clear answers.
Education only. No products sold during session.
No sales pitch. No pressure. Just clear, honest education from someone who puts your understanding first.
Book Your Free 45-Minute Session